{"version":"1.0","lastUpdated":"2026-10-12","canonicalSite":"https://www.davidkeysandloans.com","canonicalEntity":{"name":"David Kowal","type":"Person","id":"https://www.davidkeysandloans.com/#person","roles":["Washington REALTOR®","Wholesale Mortgage Loan Officer"],"credentials":["LIC#25013961","NMLS#1712304","NMLS#1660690"],"employerOrganizations":["eXp Realty","NEXA Lending"]},"serviceAreas":["Seattle","Kirkland","Bellevue","Redmond","Bothell","Issaquah","Sammamish","King County","Snohomish County","Pierce County","Washington State"],"services":["Buyer representation","Listing and seller strategy","Mortgage pre-approval","VA loans","FHA loans","Conventional loans","USDA loans","Jumbo loans","Non-QM and bank statement loans","DSCR investment-property financing","Relocation planning","Move-up strategy","Development-feasibility education"],"resourceHubs":[{"title":"AI Search and SEO Visibility Hub","url":"/ai-visibility","purpose":"Human-readable map of the site's expertise and answer-first content."},{"title":"Real Estate and Mortgage Insights","url":"/blog","purpose":"Educational articles organized by buyer, seller, location, and financing intent."},{"title":"Loan Programs","url":"/loan-programs","purpose":"Overview of available financing paths and borrower considerations."},{"title":"Relocation Resources","url":"/relocation","purpose":"Washington relocation and local-market guidance."}],"answerTopics":["Seattle and Kirkland home buying","Washington first-time homebuyer planning","VA loan timelines and strategy","Self-employed and non-QM financing","Washington relocation","Distressed-property sale strategy","ADU, middle-housing, and development feasibility"],"contact":{"url":"/contact","phone":"+1-425-777-1509","email":"David.Kowal@eXprealty.com"},"disclaimer":"Educational information is not a loan commitment, financial advice, legal advice, tax advice, appraisal, or guarantee of eligibility or approval."}